高邮市农行竞争力提升策略研究

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1、合肥工业大学硕士学位论文高邮市农行竞争力提升策略研究姓名：周向阳申请学位级别：硕士专业：工商管理指导教师：潘立生2010-10高邮市农行竞争力提升策略研究摘要县域经济在承接城市产业转移、农村城镇化的过程中，逐渐成为中国经济中最具活力和潜力的经济单元。各金融机构均视县域为金融必争之地。农业银行作为长期服务城乡二元市场的国有商业银行，既有竞争优势，又面临同业咄咄逼人的竞争压力。本文以中国农业银行高邮市支行为例，在竞争力理论研究的基础上，对高邮市农业银行的竞争形势进行了SWOT分析，设计了县域商业银行竞争力评价体

2、系，以近三年经营数据为实证，对县域各商业银行竞争力进行了整体排名和评价，并对如何提升高邮市农行竞争力提出了六个方面的对策即要建立立体化营销体系，形成整体业务营销合力；打造务实高效的信贷文化，建立市场反映敏锐的信贷运作机制；培植结构合理的客户群，构建核心客户群体；优化网点布局，加快服务渠道体系建设；优化人力资源建设，助推持续性竞争能力的提升；强化管理机制建设，构建有效率的全面风险管控机制。关键词：农业银行；竞争力；策略选择1StrategicResearchofCompetitivenessofGaoYouS

3、ubbranchofAgriculturalBankofChinaAbstractDuringtheprocessoftheindustrialtransferandtheruralurbanization,thecountyeconomyisbecomingthemostdynamicandpotentialeconomicunit.Thefinancialinstitutionsconsiderthecountyareaastheessentialfinancialarea.Asalong-servic

4、estated-ownedcommercialbankintheurbanandruralmarkets,AgriculturalBankofChinahastheadvantageofcompetitiveness,andmeanwhileitisfacedwithaggressivecompetition.BasedontheresearchaboutGaoYouSubbranchofAgriculturalBankofChina,andtheoreticalanalysisonthecompetiti

5、veness,thisarticleshowstheSWOTanalysisofGaoyouSubbranchandthedesignofcountycommercialbankscompetitivenessevaluationsystem,inwhichtheauthorgivescommercialbanks’overallcompetitivenessrankingsandevaluationaccordingtotherecent3years’businessdata.Toimprovetheco

6、mpetitivenessofGaoYouSubbranchofAgriculturalBankofChina,theauthorputsforwardcountermeasuresfromsixaspects,viz.theestablishmentofthestereoscopicmarketingsystemforthewholebusinessmarketingforce,theformationofthepragmaticandefficientcreditculturefortheacutema

7、rketreflectionofthecreditmechanism,thecultivationofreasonable-structuredclientgroupfortheestablishmentofthecoreclientgroup,theoptimizationofthenetworklayouttospeeduptheconstructionofservicechannelsystem,theoptimizationofhumanresourcesconstructionfortheimpr

8、ovementofsustainablecompetitivestrength,thereinforcementofthemanagementmechanismfortheeffectivecomprehensiveriskcontrolmechanism.Keywords:AgriculturalBankofChina；Competitiveness；strategicselection2表格清单表4-1近三年